recent claim. I got dengue fever when I was in Bali resulting in a few thousand dollars in charges for BIMC ICU treatment, blood tests, and added charges by the airlines for changes in flights. ICover rang me every day when I was in Bali enquiring how I was. They assured me I was fully covered and when I got home a claim form was emailed to me immediately. It only took them about 2 weeks to process it all and pay the money into my bank account. I only had to pay $100 excess and they paid me back the rest. This is the first time I have had to claim anything and I am very happy with their response.